Your money plan
From your hourly rate to a full plan
Work down the page. Each step feeds the next — by the bottom you'll know what you earn, where it goes and what you can save.
Where do you work?
Your country sets the tax rules.
Using 2026/27 rates · GBP
Your hourly rate
Before tax, as on your contract.
Hours & overtime
A typical week.
Your week & month
What actually lands in your account.
Daily
£94.54
£112.50 gross
Weekly
£472.68
£562.50 gross
Monthly
£2,048.30
£2,437.50 gross
Real take-home per hour worked: £12.60
Your year
Where every penny of gross goes.
Yearly take-home
£24,579.60
from £29,250.00 gross · 16.0% total deductions
Where your pay goes
🇬🇧 United Kingdom · 2026/27| Item | Week | Month | Year | Of gross |
|---|---|---|---|---|
Gross pay | £562.50 | £2,437.50 | £29,250.00 | 100.0% |
Income Tax First £12,570 tax-free. | £64.15 | £278.00 | £3,336.00 | 11.4% |
National Insurance Class 1: 8% between £12,570 and £50,270, 2% above. Builds your State Pension. | £25.66 | £111.20 | £1,334.40 | 4.6% |
Total deductions | £89.82 | £389.20 | £4,670.40 | 16.0% |
Take-home pay | £472.68 | £2,048.30 | £24,579.60 | 84.0% |
Simplified estimate using HMRC — Income Tax rates and NI thresholds. Local extras and personal circumstances can change the real figure.
Next £1 earned keeps 80% after income tax.
Rent, bills & living costs
Monthly amounts. Leave blank anything that doesn't apply.
- Monthly take-home£2,048.30
- Essentials− £0.00
- Lifestyle− £0.00
- Left over£2,048.30
Savings
Pay yourself first.
- Suggested to save monthly£409.66
- Weekly equivalent£94.54
- Time to reach Emergency fund8 months
We suggest up to 20% of take-home, capped at what's left after costs.
Your budget at a glance
Every item against your weekly and monthly take-home.
| Item | Weekly | Monthly | Share |
|---|---|---|---|
| Income (take-home) | £472.68 | £2,048.30 | 100% |
| Rent & bills | |||
| Essentials total | £0.00 | £0.00 | 0% |
| Lifestyle | |||
| Lifestyle total | £0.00 | £0.00 | 0% |
| Savings | |||
| Savings — Emergency fund | £94.54 | £409.66 | 20% |
| Spare money | £378.15 | £1,638.64 | 80% |
Bar: essentials · lifestyle · savings · the grey is spare. Weekly = monthly × 12 ÷ 52.
Claim tax back
Receipts you can turn into a refund.
Sign in to log receipts and see your real refund figure.
Keep it going
Save this plan and go deeper.